Vivek Kumar

Client: American Express (2024 – Present)

• Led Digital Transformation project: migration of Debit Card payment system from Dual Message → Single Message, aligning with industry best practices.
• Conducted business requirement gathering (current state, to-be state, traceability) and created process flows, gap analysis, and risk mitigation strategies.
• Partnered with global stakeholders to define fraud risk framework for PINless transactions, ensuring compliance with network & regulatory requirements.

Client: Karnataka Bank (2024)

• Designed multi-channel campaign Target Operating Model (TOM) for unsecured & secured lending portfolios.
• Analyzed campaign process gaps, recommended improvements, and delivered e2e implementation with Sales & IT teams → achieved measurable YoY profit growth.

Client: Citi Bank, US (2023 – 2024)

• Supported a large-scale customer acquisition project for a top US Home Improvement retailer.
• Created business requirement documents, process diagrams, and data models to enhance acquisition journey.
• Enabled senior leadership decision-making by analyzing current vs. to-be state; delivered $500M incremental sales impact.

Client: CRSPL (2022 – 2023)

• Functioned as Business Analyst for Basel Reporting & Credit Risk Rating workflows.
• Designed end-to-end Target Operating Models (TOMs) for Credit Risk Rating & reporting, ensuring alignment with AIRB & regulatory standards.
• Produced use case diagrams, process flows, KPIs, dashboards for credit model lifecycle management.

Client: SBI Cards (2021 – 2023)

• Drove Digital Transformation in card acquisition via Straight Through Processing (STP) journey design.
• Conducted workshops to capture requirements → developed MIS/data models for NTC customer base monitoring.
• Designed & monitored campaign optimization models (multi-carding segmentation, channel effectiveness) that improved targeting and customer acquisition.

• Delivered business solutions across acquisition, pre-acquisition risk assessment, and post-acquisition portfolio management for Credit Cards.
• Built propensity, behaviour score, and bureau models to improve acquisition efficiency.
• Partnered with stakeholders to design and monitor risk challenger strategies → expanded credit card base.
• Engaged senior management with portfolio insights, dashboards, and gap analysis to drive lending decisions.

• Gathered and documented business requirements for Credit Card systems migration to Microservices architecture.
• Created process documentation, requirement traceability matrix, and test cases.
• Collaborated with onshore stakeholders for global rollouts ensuring zero-defect delivery.
• Experience in Agile / DevOps (JIRA, Jenkins, Cloud Foundry) project delivery.